After a car accident, most drivers know to trade insurance information with the other motorist to settle who pays for the damage. But if you’re injured in a car accident caused by an uninsured motorist, the added stress of who will pay hefty medical bills can feel as bad as the accident.
Although North Carolina requires all drivers have car insurance, some drivers do navigate the roads without it. When an accident happens, it causes another level of stress and turmoil.
If you find out the other party in a car accident was not insured, your best course of action is to call the Knox Law Center right away for assistance.
What Happens If An Uninsured Motorist Caused My Car Accident?
First, if you’re in a car accident, seek medical attention and save any doctor records and bills.
If you find out the other driver is uninsured, call your own insurance company first, with the help of the Knox Law Center. Some policies already have medical payment coverage wrapped in. This provides a supplemental health insurance policy within your car insurance policy. Note that motorcycle riders are exempt from medical payment benefits if injured on a motorcycle.
In addition to the medical payment coverage, as of January 2009, North Carolina mandated all drivers to carry uninsured motorist coverage (UM) in the same amount as the minimum amounts of liability required.
So if the person who hits you has no insurance, you can collect from your own policy under this uninsured coverage. If the other person that hit you does not have enough coverage, you can turn to your underinsurance coverage for additional sums to pay your bills.
Note that uninsured motorist coverage typically cannot exceed the amount of your standard liability coverage.
Depending on the severity of the accident, your policy may only cover the damage to your car and not medical bills.
What Should I Do If I’m In An Accident With An Uninsured Driver?
If you’re in a car accident, seek medical treatment if necessary. Then, either take photos or write down as many details as you can remember. Next, reach out to the Knox Law Center right away.
Our team of lawyers can help you navigate paying to fix your vehicle and medical bills when the other driver is uninsured. In addition, we can help you recover the damages you’re entitled to. Contact our offices in Charlotte or Denver to schedule a free consultation with our injury lawyers.